CN102340752A - System and method for realizing mobile-phone payment through USSD (Unstructured Supplementary Service Data) - Google Patents

Abstract

The invention relates to a system and method for realizing mobile-phone payment through USSD (Unstructured Supplementary Service Data). The system comprises a USSD payment gateway server, an MSC (Mobile Switching Centre), a USSD gateway and a mobile phone terminal, wherein the USSD payment gateway server is a system formed by computers, and is used for managing a material database of a service user, receiving a USSD trade request to provide a trade information acquisition interaction interface and return a trade result, interacting with a mobile phone terminal user through the USSD to provide USSD information and a selection menu associated with user payment to the mobile phone terminal user and receive a selected result transmitted by the mobile phone terminal user through the USSD so as to carry out a USSD payment trade process: when receiving a USSD trade request, the USSD payment gateway server sends a USSD menu containing trade information to a mobile phone terminal loading a mobile phone number of a trade payer, is interacted with the user of the mobile phone number, acquires information input by the user, and judges whether the user pays; and if the user pays, the USSD payment gateway server initiates a mobile-phone payment request for transferring accounts and returns an account transferring result to a requester who initiates the USSD trade request; and otherwise, the USSD payment gateway server returns a responsive message of non-payment of the user to the requester who initiates the USSD trade request.

Description

Realize the system and method for mobile-phone payment through the USSD mode

Technical field

The present invention relates to the mobile communication technology field, particularly on mobile communications network, realize the system and method paid through the USSD mode.The English of said USSD is Unstructured Supplementary Services Data, i.e. unstructured supplementary data traffic.

Background technology

At present moving communicating field; The development of mobile telephone service has brought a lot of convenience to people; Along with popularizing and development of mobile telephone service, the interactive menu of mobile phone USSD business also has the function of real-time, interactive in convenient user's input; Development at present moving communicating field, particularly mobile payment provides payment services easily to the cellphone subscriber.The inventor notices, along with the development of mobile payment service, the cellphone subscriber begins to be concerned about safer and mobile-phone payment mode easily.

The inventor thinks, if to the mobile payment user real-time, interactive payment mode is provided through the USSD mode, then can promote the professional development of mobile-phone payment, convenient cellphone subscriber's payment and the fail safe that promotes mobile-phone payment.Therefore, to the mobile phone user business through the auxiliary payment transaction of USSD mode being provided, is the scientific research task that the technical staff faces, and also is the service item that need provide as early as possible on the mobile communications network.

Do not retrieve as yet at present through the USSD mode and realize the related patent U.S. Patent No. document paid.

Summary of the invention

In view of this, the object of the present invention is to provide the system and method for realizing mobile-phone payment through the USSD mode, on mobile communications network, USSD to be provided payment transaction to the cellphone subscriber.The English of said USSD is Unstructured Supplementary Services Data, i.e. unstructured supplementary data traffic.

Series technical project of the present invention is following:

On mobile communications network, realize the system of mobile-phone payment, it is characterized in that, comprising: USSD payment gateway service device, mobile services switching centre MSC, USSD gateway and mobile telephone terminal through the USSD mode; Said USSD payment gateway service device is the system that computer constitutes, and is used for management service user's document data base, is used to receive the USSD transaction request; Provide Transaction Information to gather interactive interface; Return transaction results, be used for through USSD and mobile telephone terminal users alternately, USSD information and the choice menus that is associated with user payment is provided to mobile telephone terminal users; Receive the selection result that mobile telephone terminal users sends through USSD, carry out USSD payment transaction flow process; Said mobile services switching centre MSC is used to accomplish the USSD communication that the mobile phone user initiates, and is used to be established to the USSD communication of mobile telephone terminal; Said USSD gateway is used to receive the USSD communication request that mobile telephone terminal starts through mobile services switching centre MSC, and directly or indirectly sends to USSD payment gateway service device; Be used to the start USSD communication of said mobile telephone terminal, or receive USSD message; Said USSD payment transaction flow process is: when receiving the USSD transaction request; Send the USSD menu that comprises Transaction Information to the mobile telephone terminal that carries transaction payment side's Mobile Directory Number; With said Mobile Directory Number user interactions, gather the information of said user's input, whether judges is paid; If user's payment is then initiated the mobile-phone payment transfer request and is also returned to the requesting party who initiates the USSD transaction request to the result that transfers accounts; If user's nonpayment is then returned the response message of user's refusal to pay and is given the requesting party who initiates the USSD transaction request.

Wherein, said USSD message is meant the PUSH message of server to client end.

On mobile communications network, trigger the method for mobile-phone payment, it is characterized in that, may further comprise the steps through the USSD mode:

A.USSD payment gateway service device receives the USSD payment request message, comprises the information of trade company's number, USSD payment phone number and payment in the said payment request message;

B.USSD payment gateway service device is a parameter with USSD payment phone number and trade company's number, and the said Payment Request of authentication is for the Payment Request that authentication is passed through, execution in step C; For the Payment Request that authentication is not passed through, agreement by appointment generates the response message of refusal to pay, execution in step H;

C.USSD payment gateway service device sends the USSD message that comprises payment content and payment choice menus content and arrives said payment phone number;

Show said USSD message on the telephone terminal of D. said payment phone number;

E. said user is mutual through USSD message and USSD payment gateway service device, and USSD payment gateway service device is gathered user's selection or input information;

If F. USSD payment gateway service device collects the user and confirms the information paid, then execution in step G; Otherwise agreement by appointment generates the response message of user's refusal to pay, execution in step H;

G.USSD payment gateway service device is initiated said user's mobile-phone payment transfer request, receives the result that transfers accounts, and agreement by appointment converts the result that transfers accounts to the response message of Payment Request;

H.USSD payment gateway service device returns to response message the transmit leg of said Payment Request.

Said step e comprises that the user passes through USSD message and sends payment cipher to USSD payment gateway service device.

Said step H comprises that further USSD payment gateway service device is packaged into short message to the payment response message or USSD message sends on the user terminal of said payment phone number.

The cellphone subscriber is characterized in that through the method for USSD message trigger mobile-phone payment on mobile communications network, may further comprise the steps:

A. the cellphone subscriber initiates to comprise the mobile-phone payment USSD message of trade company's coding;

B. mobile communications network sends to USSD payment gateway service device to said USSD message;

C.USSD payment gateway service device is encoded to parameter with phone number and the trade company that sends said USSD message, and the authentication of paying is for the request that authentication is passed through, execution in step d; For the request that authentication is not passed through, agreement by appointment generates the response message of refusal to pay, execution in step h;

D.USSD payment gateway service device sends the USSD message that comprises payment content and payment choice menus content and arrives said phone number;

E. said cellphone subscriber is mutual through USSD message and USSD payment gateway service device, and USSD payment gateway service device is gathered user's selection or input information;

If f. USSD payment gateway service device collects the user and confirms the information paid, then execution in step g; Otherwise agreement by appointment generates the response message of user's refusal to pay, execution in step h;

G.USSD payment gateway service device is initiated said user's mobile-phone payment transfer request, receives the result that transfers accounts, and agreement by appointment converts the result that transfers accounts to the response message of Payment Request;

H.USSD payment gateway service device sends to said cellphone subscriber to response message.

Said mobile-phone payment USSD message is meant the coding * of material payment code trade company Payment Amount #.

Said mobile-phone payment USSD message is meant material payment code+purpose phone number * Payment Amount #.

Said step h further comprises if the phone number of said trade company receives USSD message, then sends to the USSD message of the success of transferring accounts the phone number of trade company.

Effect of the present invention is: through USSD message the mobile-phone payment control device is provided, payment that can convenient cellphone subscriber and the fail safe that promotes mobile-phone payment.

Description of drawings

Fig. 1 is the present invention realizes realizing through USSD message mobile-phone payment on mobile communications network a system construction drawing.

Fig. 2 is the preferred flow charts that USSD message realizes mobile-phone payment of passing through of the embodiment of the invention one.

Fig. 3 is the preferred flow charts of the cellphone subscriber of the embodiment of the invention two USSD message mobile-phone payment of initiating.

Embodiment

Consult Fig. 1, on mobile communications network, realize realizing the system construction drawing of mobile-phone payment through USSD message, wherein,

Set up logical links through the socket (Socket) of TCP/IP between USSD paymentgateway service device 100 and the mobile-payment system 150 and be connected, the message content through the agreement form communicates;

Set up logical links through the socket (Socket) of TCP/IP between USSD paymentgateway service device 100 and theUSSD gateway 110 and be connected, the message content through the agreement form communicates;

Mobile telephone terminal 140 users connect through mobile communications network and mobile services switching centre MSC130;

Carry out logic throughsignaling transmission network 120 through mobile services switching centre MSCb130 betweenUSSD gateway 110 andmobile telephone terminal 140 users and be connected, adopt the signalling system No.7 agreement to communicate;

Node device in the mobile communications network of functions such asUSSD gateway 110 is reception, notices of accomplishing USSD message, dispatch, issue, preceding commentaries on classics;

Mobile-payment system 150 is the systems that realize that mobile-phone payment is transferred accounts;

USSD paymentgateway service device 100 carries out the USSD information interaction through USSDgateway 110 withmobile telephone terminal 140 users.

On mobile communications network, realize the system of mobile-phone payment, comprising: USSD paymentgateway service device 100, mobile services switching centre MSC130, USSDgateway 110 andmobile telephone terminal 140 through the USSD mode; USSD paymentgateway service device 100 is systems that computer constitutes, and is used for management service user's document data base, is used to receive the USSD transaction request; Provide Transaction Information to gather interactive interface; Return transaction results, be used for through USSD and mobile telephone terminal users alternately, USSD information and the choice menus that is associated with user payment is provided to mobile telephone terminal users; Receive the selection result that mobile telephone terminal users sends through USSD, carry out USSD payment transaction flow process; Mobile services switching centre MSC130 is used to accomplish the USSD communication thatmobile phone user 140 initiates, and is used to be established to the USSD communication ofmobile telephone terminal 140; USSDgateway 110 is used to receive the USSD communication request thatmobile telephone terminal 140 starts through mobile services switching centre MSC130, and directly or indirectly sends to USSD paymentgateway service device 100;Mobile telephone terminal 140 be used to start USSD communication, or receive USSD message; Said USSD payment transaction flow process is: when receiving the USSD transaction request; Send the USSD menu that comprises Transaction Information to the mobile telephone terminal that carries transaction payment side's Mobile Directory Number; With said Mobile Directory Number user interactions, gather the information of said user's input, whether judges is paid; If user's payment is then initiated the mobile-phone payment transfer request and is also returned to the requesting party who initiates the USSD transaction request to the result that transfers accounts; If user's nonpayment is then returned the response message of user's refusal to pay and is given the requesting party who initiates the USSD transaction request.

Wherein, said USSD message is meant the PUSH message of server to client end.

On mobile communications network, trigger the method for mobile-phone payment, may further comprise the steps through the USSD mode:

A.USSD paymentgateway service device 100 receives the USSD payment request message, comprises the information of trade company's number, USSD payment phone number and payment in the said payment request message;

B.USSD paymentgateway service device 100 is a parameter with USSD payment phone number and trade company's number, and the said Payment Request of authentication is for the Payment Request that authentication is passed through, execution in step C; For the Payment Request that authentication is not passed through, agreement by appointment generates the response message of refusal to pay, execution in step H;

C.USSD paymentgateway service device 100 sends the USSD message that comprises payment content and payment choice menus content and arrives said payment phone number;

Show said USSD message on the telephone terminal of D. said payment phone number;

E. said user is mutual through USSD message and USSD paymentgateway service device 100, and USSD paymentgateway service device 100 is gathered user's selection or input information;

If F. USSD paymentgateway service device 100 collects the user and confirms the information paid, then execution in step G; Otherwise agreement by appointment generates the response message of user's refusal to pay, execution in step H;

G.USSD paymentgateway service device 100 is initiated said user's mobile-phone payment transfer request, receives the result that transfers accounts, and agreement by appointment converts the result that transfers accounts to the response message of Payment Request;

H.USSD paymentgateway service device 100 returns to response message the transmit leg of said Payment Request.

Said step e comprises that the user passes through USSD message and sends payment cipher to USSD paymentgateway service device 100.

Said step H comprises that further USSD paymentgateway service device 100 is packaged into short message to the payment response message or USSD message sends on the user terminal of said payment phone number.

The cellphone subscriber may further comprise the steps through the method for USSD message trigger mobile-phone payment on mobile communications network:

A. the cellphone subscriber initiates to comprise the mobile-phone payment USSD message of trade company's coding;

B. mobile communications network sends to USSD paymentgateway service device 100 to said USSD message;

C.USSD paymentgateway service device 100 is encoded to parameter with phone number and the trade company that sends said USSD message, and the authentication of paying is for the request that authentication is passed through, execution in step d; For the request that authentication is not passed through, agreement by appointment generates the response message of refusal to pay, execution in step h;

D.USSD paymentgateway service device 100 sends the USSD message that comprises payment content and payment choice menus content and arrives said phone number;

E. said cellphone subscriber is mutual through USSD message and USSD paymentgateway service device 100, and USSD paymentgateway service device 100 is gathered user's selection or input information;

If f. USSD paymentgateway service device 100 collects the user and confirms the information paid, then execution in step g; Otherwise agreement by appointment generates the response message of user's refusal to pay, execution in step h;

G.USSD paymentgateway service device 100 is initiated said user's mobile-phone payment transfer request, receives the result that transfers accounts, and agreement by appointment converts the result that transfers accounts to the response message of Payment Request;

H.USSD paymentgateway service device 100 sends to said cellphone subscriber to response message.

Said mobile-phone payment USSD message is meant the coding * of material payment code trade company Payment Amount #.

Said mobile-phone payment USSD message is meant material payment code+purpose phone number * Payment Amount #.

Said step h further comprises if the phone number of said trade company receives USSD message, then sends to the USSD message of the success of transferring accounts the phone number of trade company.

For the ease of further understanding the present invention, be described in detail below in conjunction with specific embodiment.

Consult Fig. 1, it is the system construction drawing of embodiments of the invention one, on global system for mobile communications GSM/GPRS network, realize, wherein:

Communicate through HTTP between USSD paymentgateway service device 100 and theUSSD gateway 110; Preferably; Present embodiment TCP/IP communicates, and communication protocol is consulted by both party, preferably; Present embodiment adopts point-to-point short message communication agreement (SMPP), and USSD paymentgateway service device 100 adopts the SUBMIT_SM order to send to mobile telephone terminal to USSD message throughUSSD gateway 110;USSD gateway 110 adopts the DELIVER_SM order to be sent to USSD paymentgateway service device 100 to the initiation of mobile telephone terminal users or the USSD message of replying.

Like Fig. 3, be the preferred flow charts that USSD message realizes mobile-phone payment of passing through of the embodiment of the invention one.

Fig. 3 passes through the preferred operations flow process that USSD message realizes mobile-phone payment on mobile communications network, may further comprise the steps:

F1:USSD paymentgateway service device 100 receives the USSD Payment Request;

F2:USSD paymentgateway service device 100 carries out authentication process;

F3-F5:USSD paymentgateway service device 100 is submitted the request of USSD information interaction toUSSD gateway 110;

F6:USSD gateway 110 passes through the USSD interacting message with mobile telephone terminal;

F7-F8:USSD paymentgateway service device 100 receives interaction results;

F9:USSD paymentgateway service device 100 is confirmed follow-up transferring accounts and result notification according to interaction results.

Like Fig. 3, the preferred flow charts of the USSD message mobile-phone payment of initiating for the cellphone subscriber of the embodiment of the invention two.

Fig. 3 is the preferred operations flow process of mobile phone Client-initiated USSD message mobile-phone payment on mobile communications network, may further comprise the steps:

F1-F2:mobile telephone terminal 140 is initiated the USSD payment request message;

F3-F4:USSD gateway 110 sends to USSD paymentgateway service device 100 to the USSD payment request message;

F5-F7:USSD paymentgateway service device 100 is submitted the request of USSD information interaction toUSSD gateway 110;

F8:USSD gateway 110 passes through the USSD interacting message with mobile telephone terminal;

F9-F10:USSD paymentgateway service device 100 receives interaction results;

F11:USSD paymentgateway service device 100 is confirmed follow-up transferring accounts and result notification according to interaction results.

Above embodiment one equally also is applicable to the CDMA network cdma communication system, and implementing is that cdma communication system supports type inferior USSD business promptly through signaling and the direct mutual business of telephone terminal, and other are all applicable, repeat no more at this.

Above embodiment one equally also is applicable to the 3G GSM, and enforcement is in the communication protocol of signaling and orders difference to some extent, and other are all applicable, repeat no more at this.

What need particularly point out is in the 3G GSM, except the USSD interactive mode, can also be mutual through message session trunk protocol MSRP and purpose telephone terminal, or mode such as WAP PUSH and purpose telephone terminal are mutual.

The content that should be pointed out that USSD message can comprise information such as trade company's coding, order contents, mobile phone terminal location conten; The option of USSD message comprises payment options and refusal to pay options, if the user selects payment, then for the mobile payment of cipher control, provides to comprise the USSD message of importing payment cipher.

Should be understood that; The present invention is USSD paymentgateway service device 100, and handcall payment system 150 andUSSD gateway 110 adopt independently functional module to describe, but they can be integrated in the module device and realize; Also can be combined into several module devices and realize, repeat no more at this.

Be appreciated that the present invention is not limited only to above communication network, also be applicable to NGN, PSTN network etc., repeat no more at this.

Above-described examples of implementation only are preferred implementations of the present invention; Should be understood that; For those skilled in the art; Under the prerequisite that does not break away from the principle of the invention, can also make some improvement, combination and retouching, these improvement, combination and retouching also should be regarded as protection scope of the present invention.

Claims (9)

1. on mobile communications network, realize the system of mobile-phone payment, it is characterized in that, comprising: USSD payment gateway service device, mobile services switching centre MSC, USSD gateway and mobile telephone terminal through the USSD mode; Said USSD payment gateway service device is the system that computer constitutes, and is used for management service user's document data base, is used to receive the USSD transaction request; Provide Transaction Information to gather interactive interface; Return transaction results, be used for through USSD and mobile telephone terminal users alternately, USSD information and the choice menus that is associated with user payment is provided to mobile telephone terminal users; Receive the selection result that mobile telephone terminal users sends through USSD, carry out USSD payment transaction flow process; Said mobile services switching centre MSC is used to accomplish the USSD communication that the mobile phone user initiates, and is used to be established to the USSD communication of mobile telephone terminal; Said USSD gateway is used to receive the USSD communication request that mobile telephone terminal starts through mobile services switching centre MSC, and directly or indirectly sends to USSD payment gateway service device; Be used to the start USSD communication of said mobile telephone terminal, or receive USSD message; Said USSD payment transaction flow process is: when receiving the USSD transaction request; Send the USSD menu that comprises Transaction Information to the mobile telephone terminal that carries transaction payment side's Mobile Directory Number; With said Mobile Directory Number user interactions, gather the information of said user's input, whether judges is paid; If user's payment is then initiated the mobile-phone payment transfer request and is also returned to the requesting party who initiates the USSD transaction request to the result that transfers accounts; If user's nonpayment is then returned the response message of user's refusal to pay and is given the requesting party who initiates the USSD transaction request.

2. the system that on mobile communications network, realizes mobile-phone payment through the USSD mode according to claim 1 is characterized in that said USSD message comprises the PUSH message of server to client end.

3. on mobile communications network, trigger the method for mobile-phone payment, it is characterized in that, may further comprise the steps through the USSD mode:

A.USSD payment gateway service device receives the USSD payment request message, comprises trade company's number, USSD payment phone number and payment information in the said payment request message;

B.USSD payment gateway service device is a parameter with USSD payment phone number and trade company's number, and the said Payment Request of authentication is for the Payment Request that authentication is passed through, execution in step C; For the Payment Request that authentication is not passed through, agreement by appointment generates the response message of refusal to pay, execution in step H;

C.USSD payment gateway service device sends the USSD message that comprises payment content and payment choice menus content and arrives said payment phone number;

Show USSD message on the telephone terminal of D. said payment phone number;

E. said user is mutual through USSD message and USSD payment gateway service device, and USSD payment gateway service device is gathered user's selection or input information;

If F. USSD payment gateway service device collects the user and confirms the information paid, then execution in step G; Otherwise agreement by appointment generates the response message of user's refusal to pay, execution in step H;

G.USSD payment gateway service device is initiated said user's mobile-phone payment transfer request, receives the result that transfers accounts, and agreement by appointment converts the result that transfers accounts to the response message of Payment Request;

H.USSD payment gateway service device returns to response message the transmit leg of said Payment Request.

4. the method that on mobile communications network, triggers mobile-phone payment through the USSD mode according to claim 3 is characterized in that, said step e comprises that the user passes through USSD message and sends payment cipher to USSD payment gateway service device.

5. the method that on mobile communications network, triggers mobile-phone payment according to claim 3 through the USSD mode; It is characterized in that said step H comprises that further USSD payment gateway service device is packaged into short message to the payment response message or USSD message sends on the user terminal of said payment phone number.

6. the cellphone subscriber is characterized in that through the method for USSD message trigger mobile-phone payment on mobile communications network, may further comprise the steps:

A. the cellphone subscriber initiates to comprise the mobile-phone payment USSD message of trade company's coding;

B. mobile communications network sends to USSD payment gateway service device to said USSD message;

C.USSD payment gateway service device is encoded to parameter with phone number and the trade company that sends said USSD message, and the authentication of paying is for the request that authentication is passed through, execution in step d; For the request that authentication is not passed through, agreement by appointment generates the response message of refusal to pay, execution in step h;

D.USSD payment gateway service device sends the USSD message that comprises payment content and payment choice menus content and arrives said phone number;

E. said cellphone subscriber is mutual through USSD message and USSD payment gateway service device, and USSD payment gateway service device is gathered user's selection or input information;

If f. USSD payment gateway service device collects the user and confirms the information paid, then execution in step g; Otherwise agreement by appointment generates the response message of user's refusal to pay, execution in step h;

G.USSD payment gateway service device is initiated said user's mobile-phone payment transfer request, receives the result that transfers accounts, and agreement by appointment converts the result that transfers accounts to the response message of Payment Request;

H.USSD payment gateway service device sends to said cellphone subscriber to response message.

7. according to claim 6 on mobile communications network the method for cellphone subscriber through USSD message trigger mobile-phone payment, it is characterized in that said mobile-phone payment USSD message is meant the coding * of * * payment code trade company Payment Amount #.

8. according to claim 6 on mobile communications network the method for cellphone subscriber through USSD message trigger mobile-phone payment, it is characterized in that said mobile-phone payment USSD message is meant * * payment code+purpose phone number * Payment Amount #.

9. according to claim 6 on mobile communications network the method for cellphone subscriber through USSD message trigger mobile-phone payment; It is characterized in that; Said step h further comprises: if the phone number of said trade company receives USSD message, then send to the USSD message of the success of transferring accounts the phone number of trade company.

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